Best 48-Month CD Rates - May 2026
Content reviewed by
Brian McKay
i
Editorial Disclosure
Brian McKay
Brian McKay
Founder & Data ArchitectExpertise
- Automated Online Rate Data Aggregation
- Location-Based Rate Tables
- Bank & Credit Union Health Safety Ratings
- Finance Calculators
Brian is the Founder of MonitorBankRates.com. For over 18 years, he has utilized his background in enterprise infrastructure to engineer proprietary systems that track rates from over 8,000 financial institutions.
Read Full Bio →
Editorial Disclosure
The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
Top 48-month CD rates currently available include Commonwealth Credit Union Frankfort, KYCommonwealth Credit Union Frankfort, KY417 High St, Frankfort, KY 40601A+5.0 ★Texas Ratio: 2.47%Real return: +2.20%APY minus CPI (February 2026) offering Wealth Development Certificate 48 months at 5.00% APY, and MECE Credit UnionMECE Credit Union2722 E McCarty St, Jefferson City, MO 65101 4428A+5.0 ★Texas Ratio: 0.48%Real return: +1.64%APY minus CPI (February 2026) offering IRA & HSA Certificates 48 Months at 4.44% APY, and Priority Plus Federal Credit UnionPriority Plus Federal Credit Union6 LYNAM ST, WILMINGTON, DE 19804A+5.0 ★Texas Ratio: 2.56%Real return: +1.52%APY minus CPI (February 2026) offering 48 mo Certificate at 4.32% APY, and Corazo Credit UnionCorazo Credit Union1020 S Brawley Ave, Brawley, CA 92227A5.0 ★Texas Ratio: 7.90%Real return: +1.45%APY minus CPI (February 2026) offering 48 Month Certificate at 4.25% APY. CD rates as of May 23, 2026 according to verified data from MonitorBankRates.
A 4-year CD is the longest standard CD term, designed for savers who want to maximize fixed yield and are comfortable locking in funds for the long term. It is often the highest-yielding option available and pairs naturally with retirement or long-term savings goals. We display Safety Grades, Star Ratings, and Texas Ratios so you can choose a stable institution with confidence.
The APYs displayed reflect actual verified offers. Rates are subject to change at the institution’s discretion without notice. A substantial penalty may be imposed for early withdrawal. 60-Month CD Rates Last Updated and Verified: May 23, 2026
Compare the Best 48-Month CD Rates Nationwide
Source: Verified CD Rate Data provided by MonitorBankRates
Institution
Product
Min Deposit
APY
Profile
Commonwealth Credit Union Frankfort, KY
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
417 High St, Frankfort, KY 40601
Wealth Development Certificate 48 months
$0
5.00%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
Monthly Min/Max: $20/$200, paid annually
MECE Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.48%
2722 E McCarty St, Jefferson City, MO 65101 4428
IRA & HSA Certificates 48 Months
$0
4.44%
▼
Rate4.35%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Priority Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.56%
6 LYNAM ST, WILMINGTON, DE 19804
48 mo Certificate
$1,000
4.32%
▼
Rate4.25%
Min Deposit$1,000
UpdatedMay 17, 2026
Details
No additional details available.
Corazo Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.90%
1020 S Brawley Ave, Brawley, CA 92227
48 Month Certificate
$500
4.25%
▼
Rate4.17%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
Kings Peak Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 12.66%
180 N 300 E, Roosevelt, UT 84066
U-IN-TA 48 Month Share Certificates
$1,000
4.23%
▼
Rate—
Min Deposit$1,000
UpdatedMay 23, 2026
Details
No additional details available.
Raymond James Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
710 Carillon Pkwy, Saint Petersburg, FL 33716
48 Months Certificates of Deposit (CDs)
$2,000
4.20%
▼
Rate4.11%
Min Deposit$2,000
UpdatedMay 21, 2026
Details
purchased through Raymond James brokerage account
TAB Bank
Institution Rating:
A5.0 ★Texas Ratio: 13.12%
4185 Harrison Blvd, Ogden, UT 84403
48 Month CD
$1,000
4.15%
▼
Rate—
Min Deposit$1,000
UpdatedMay 21, 2026
Details
No additional details available.
Founders Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.16%
607 N Main St, Lancaster, SC 29720
48 Month Fixed Rate IRA Certificates
$500
4.11%
▼
Rate4.05%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
NASA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.46%
500 Prince Georges Blvd, Upper Marlboro, MD 20774
48 months Share Certificate
$0
4.10%
▼
Rate4.03%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Edward Jones Trust Company
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
12555 Manchester Rd, Saint Louis, MO 63131
FDIC-Insured Certificates of Deposit 4-year
$0
4.10%
▼
Rate—
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
PAHO WHO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
2112 F St NW, Washington, DC 20037
48 Month IRA Certificate
$0
4.07%
▼
Rate4.00%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Maine Highlands Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.65%
73 Main St, Dexter, ME 04930
IRA Certificates 48 Months
$500
4.07%
▼
Rate4.00%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
WEPCO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
12511 Winchester Rd SW, LaVale, MD 21502
48 Months Share Certificate
$0
4.06%
▼
Rate4.00%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Firefighters Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.88%
726 Massachusetts Ave, Indianapolis, IN 46204
48 months Certificates / IRA Certificates / Roth IRA Certificates
$0
4.05%
▼
Rate3.98%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
815 N Freedom Blvd, Provo, UT 84604 3315
48 month Term Share Certificates
$1,000
4.05%
▼
Rate3.99%
Min Deposit$1,000
UpdatedMay 23, 2026
Details
No additional details available.
P&S Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.13%
2250 S Redwood Rd Ste 6, Salt Lake City, UT 84119 1356
48 Month Share One-Time Bump Certificates of Deposit
$0
4.05%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
Automatic Renewal to Regular Certificate
Tower Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.30%
7901 Sandy Spring Rd, Laurel, MD 20707
4 year Mini-Jumbo IRA Share Certificates
$20,000
4.05%
▼
Rate3.97%
Min Deposit$20,000
UpdatedMay 20, 2026
Details
No additional details available.
Fremont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.46%
315 Croghan St, Fremont, OH 43420 3013
48 Month Regular/IRA Share Certificate
$0
4.05%
▼
Rate3.98%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
American Spirit Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.11%
1110 Elkton Rd, Newark, DE 19711
SPECIAL PROMOTION: Certificates for New Funds to American Spirit FCU Only Share Certificate (48-Month)
$0
4.01%
▼
Rate4.00%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Code Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.75%
355 W Monument Ave, Dayton, OH 45402
Traditional IRA Certificate 48 Months
$500
4.00%
▼
Rate3.93%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
Crossroads Bank Effingham, IL
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2000 S Banker St, Effingham, IL 62401
48-Month CD
$2,000
4.00%
▼
Rate3.96%
Min Deposit$2,000
UpdatedMay 21, 2026
Details
No additional details available.
Blue Eagle Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.28%
419 Rutherford Ave NE, Roanoke, VA 24022
IRA Certificates 4 Year Term
$0
4.00%
▼
Rate3.94%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Premier One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.52%
5353 ALMADEN EXPY Ste 80, SAN JOSE, CA 95118 3633
48-month IRA Traditional & Roth Share Certificates
$1,000
4.00%
▼
Rate3.93%
Min Deposit$1,000
UpdatedMay 20, 2026
Details
No additional details available.
Landmark Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.79%
2400 N Grandview Blvd, Waukesha, WI 53188
4 Years Certificate Account
$0
4.00%
▼
Rate3.93%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Firefighters And Company Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.45%
338 S Patterson Blvd, Dayton, OH 45402 2845
48 mo IRA Share Certificate
$0
4.00%
▼
Rate3.93%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Deseret First Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.69%
3999 W Parkway Blvd, West Valley City, UT 84120
48 Months Share Certificate
$0
4.00%
▼
Rate3.92%
Min Deposit$0
UpdatedMay 22, 2026
Details
Regular Rates ($500 Minimum)
Logan Medical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.72%
500 E 1400 N, Logan, UT 84341
48 Month Share Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
SJP Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.06%
341 Englewood Ave, Buffalo, NY 14223 2819
48 months Certificate of Deposit
$1,000
4.00%
▼
Rate—
Min Deposit$1,000
UpdatedMay 17, 2026
Details
No additional details available.
McHenry Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.53%
353 Bank Dr, Mchenry, IL 60050
4-Year Certificate
$0
4.00%
▼
Rate—
Min Deposit$0
UpdatedMay 17, 2026
Details
Guaranteed Growth, Zero Risk
Fairmont Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
2 The Credit Union Way, Fairmont, WV 26554 1567
Traditional & Roth IRA Certificates 48 month
$0
4.00%
▼
Rate3.93%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Members Plus Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.36%
29 High St, Medford, MA 02155 3801
4 year CD
$500
4.00%
▼
Rate3.92%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
American United Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.78%
500 Foothill Dr, Salt Lake City, UT 84148 0001
48-month Certificate GoldStar� Membership
$0
4.00%
▼
Rate3.93%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Hatboro Federal Savings
Institution Rating:
A+5.0 ★Texas Ratio: 2.08%
221 S York Rd, Hatboro, PA 19040
4 Year CD
$0
4.00%
▼
Rate3.94%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Copper State Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.92%
1270 N Dysart Rd, Goodyear, AZ 85395
4 Year Business Certificate
$500
4.00%
▼
Rate3.93%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
Michigan State University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.72%
3777 West Rd, East Lansing, MI 48823 8029
4-Year Certificate or IRA-HSA
$0
4.00%
▼
Rate—
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Cyprus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.25%
3876 W Center view Way, West Jordan, UT 84084
48 month Certificate (CD)
$0
4.00%
▼
Rate3.93%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Materion Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.27%
14710 W Portage River South Rd, Elmore, OH 43416
48 Month Certificate
$500
4.00%
▼
Rate3.94%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
Genisys Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.68%
2100 Executive Hills Dr, Auburn Hills, MI 48326 2947
Jumbo and Jumbo IRA Certificates 4 Years
$100,000
3.96%
▼
Rate3.90%
Min Deposit$100,000
UpdatedMay 20, 2026
Details
$100,000 and Above
Utah First Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.94%
200 E South Temple, Salt Lake City, UT 84111
Traditional and IRA Term Deposit 48-Month
$0
3.95%
▼
Rate—
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
On Tap Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.39%
816 Washington Ave, Golden, CO 80401
48 Months Term certificates
$0
3.95%
▼
Rate3.88%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Goldenwest Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
147 26th st, Ogden, UT 84401
48 Month Certificate
$0
3.95%
▼
Rate3.88%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Huron Valley State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
130 S Milford Rd, Milford, MI 48381
4 Year
$0
3.92%
▼
Rate3.86%
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
Sun Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.76%
1627 Holland Rd, Maumee, OH 43537
IRA Certificates 48-Month
$1,000
3.90%
▼
Rate3.83%
Min Deposit$1,000
UpdatedMay 22, 2026
Details
No additional details available.
COASTAL
Institution Rating:
A+5.0 ★Texas Ratio: 4.41%
1000 Saint Albans Dr, Raleigh, NC 27609
IRA Certificate 48 Month
$250
3.90%
▼
Rate3.83%
Min Deposit$250
UpdatedMay 23, 2026
Details
No additional details available.
Wisconsin Medical Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.12%
1677 S Webster Ave, Green Bay, WI 54301
Share/IRA Certificates 48 Months
$0
3.90%
▼
Rate3.84%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
KH Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.73%
7740 Paragon Rd, Dayton, OH 45459
48 Months Share Certificates of Deposits
$0
3.89%
▼
Rate3.83%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Luana Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.11%
100 Harvest Dr, Luana, IA 52156
48 Month
$100,000
3.89%
▼
Rate3.85%
Min Deposit$100,000
UpdatedMay 21, 2026
Details
$100,000 and above
HOUSTON TEXAS FIRE FIGHTERS
Institution Rating:
A+5.0 ★Texas Ratio: 0.65%
3030 Cullen Blvd Ste 111, Pearland, TX 77584
Jumbo Step Up Certificates 4 Year
$0
3.87%
▼
Rate3.80%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Gardiner Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.44%
420 Brunswick Ave, Gardiner, ME 04345 2836
Individual Retirement Account (IRA) Certificates & Share Certificates 48 Month
$0
3.87%
▼
Rate3.80%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Thayer County Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.27%
402 Lincoln Ave, Hebron, NE 68370
48 Month CD
$75,000
3.87%
▼
Rate3.81%
Min Deposit$75,000
UpdatedMay 17, 2026
Details
No additional details available.
Synergy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.96%
1 Valero Way, San Antonio, TX 78249 1616
Share Certificates (4 year)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Serve Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.86%
423 E Court Ave, Des Moines, IA 50309 2010
48-MONTH CERTIFICATE
$100,000
3.87%
▼
Rate3.80%
Min Deposit$100,000
UpdatedMay 20, 2026
Details
No additional details available.
Vantage Point Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.75%
3600 OAKLAWN BLVD, HOPEWELL, VA 23860
Share & IRA Share Certificates (48 month term)
$0
3.87%
▼
Rate3.80%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
CHAFFEY Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.38%
11563 Foothill Blvd Ste 101, Rancho Cucamonga, CA 91730 3969
IRA Share Certificates 48 Months Platinum
$0
3.86%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
GSA Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.77%
1800 F St NW # 1211, Washington, DC 20405 0001
48 month Share Certificate
$0
3.86%
▼
Rate3.80%
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
Bread Financial
Institution Rating:
B4.4 ★Texas Ratio: 22.10%
12921 S Vista Station Blvd, Draper, UT 84020
4-year CD
$1,500
3.85%
▼
Rate—
Min Deposit$1,500
UpdatedMay 21, 2026
Details
No additional details available.
Options Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.04%
5935 S Zang St, Littleton, CO 80127
Certificates (CD) 48 Months Premier
$0
3.85%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
La Porte Community Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.56%
1800 E Lincolnway, La Porte, IN 46350
48 Month Term Certificate
$0
3.85%
▼
Rate—
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
River Valley Credit Union Miamisburg, OH
Institution Rating:
A+5.0 ★Texas Ratio: 3.77%
505 Earl Blvd, Miamisburg, OH 45342
IRA Certificates 48 months
$0
3.85%
▼
Rate3.78%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
State Employees Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.47%
1125 ACADEMY ST N, AHOSKIE, NC 27910
48 months Share Term Certificates (STCs)
$250
3.85%
▼
Rate3.85%
Min Deposit$250
UpdatedMay 20, 2026
Details
No additional details available.
RadiFi Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.76%
562 Park St, Jacksonville, FL 32204 2918
48-Month Term Certificate
$0
3.85%
▼
Rate3.78%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Capital Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.02%
926 W College Ave, Appleton, WI 54914 5261
48-Month Certificate
$1,000
3.85%
▼
Rate3.80%
Min Deposit$1,000
UpdatedMay 23, 2026
Details
No additional details available.
Gunnison S&L
Institution Rating:
A+5.0 ★Texas Ratio: 1.03%
303 N Main St, Gunnison, CO 81230
4 Years Certificate of Deposit
$500
3.83%
▼
Rate3.75%
Min Deposit$500
UpdatedMay 17, 2026
Details
No additional details available.
All In Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.02%
238 Virginia Ave, Daleville, AL 36322
48 Month
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
StagePoint Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.54%
365 N 3rd St, Laramie, WY 82072
Share Certificate Accounts 48-MONTHS
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 17, 2026
Details
As High As
Chemcel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.61%
5740 County Road 4, Bishop, TX 78343
Jumbo Share Certificate/IRA 4 Year
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Signal Financial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.40%
3015 University Blvd W, Kensington, MD 20895 1936
48 Months Share Certificate
$500
3.82%
▼
Rate3.75%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
Tri County Area Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.55%
1550 Medical Dr, Pottstown, PA 19464 3225
48 Months Certificate
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Self-Help Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
301 W Main St, Durham, NC 27701
48 Months IRA Certificates
$0
3.82%
▼
Rate—
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Community Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.04%
144 Pine St, Lewiston, ME 04240
Jumbo Certificates 4 Years
$0
3.82%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 18, 2026
Details
No additional details available.
Scott Associates Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.22%
14111 Scottslawn Rd, Marysville, OH 43040
IRA Certificates 48 Month
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 18, 2026
Details
Minimum deposit of $500 required.
American Heritage Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.82%
2060 Red Lion Rd, Philadelphia, PA 19115 1603
48 Month Certificates/IRA Certificates
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Freedom Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.99%
626 Jacksonville Rd, Warminster, PA 18974 4862
48 Months CD
$0
3.81%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
HERCULES FIRST
Institution Rating:
A5.0 ★Texas Ratio: 7.88%
3141 W 4700 S, Taylorsville, UT 84129 2525
4 Year Certificate
$1,000
3.80%
▼
Rate3.75%
Min Deposit$1,000
UpdatedMay 23, 2026
Details
No additional details available.
East Texas Professional Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.72%
409 E Loop 281, Longview, TX 75605 7916
48 Month Term Share Certificates
$0
3.80%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 20, 2026
Details
$1,000.00 & over
Prime Alliance Bank
Institution Rating:
D3.1 ★Texas Ratio: 37.64%
1868 S 500 W, Woods Cross, UT 84010
48 Months Certificates of Deposit
$500
3.80%
▼
Rate3.74%
Min Deposit$500
UpdatedMay 21, 2026
Details
No additional details available.
Educational Community Alliance Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
3845 Angola Rd, Toledo, OH 43615
48-Month IRA Certificate
$0
3.80%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Austin Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.11%
8929 Shoal Creek Blvd, Austin, TX 78757
48 mo.
$0
3.80%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
LBS Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4436 Atlantic Ave, Long Beach, CA 90807
IRA Certificates - Gold Minimum 48 month
$0
3.80%
▼
Rate3.73%
Min Deposit$0
UpdatedMay 20, 2026
Details
$50,000
Earlham Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.45%
7300 Lake Dr, West Des Moines, IA 50266
Certificates of Deposit 48 Months
$15,000
3.80%
▼
Rate3.75%
Min Deposit$15,000
UpdatedMay 21, 2026
Details
No additional details available.
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.58%
1509 4th Ave S, Birmingham, AL 35233 1612
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
UpdatedMay 23, 2026
Details
No additional details available.
SOUTHERN MIDDLESEX CO TCHRS
Institution Rating:
A+5.0 ★Texas Ratio: 10.08%
39 Brunswick Woods Dr, East Brunswick, NJ 08816 5601
4 year CD
$1,000
3.80%
▼
Rate—
Min Deposit$1,000
UpdatedMay 20, 2026
Details
No additional details available.
The Dolores State Bank
Institution Rating:
A+5.0 ★Texas Ratio: 3.67%
101 S 6th St, Dolores, CO 81323
Jumbo Certificates of Deposit & Greater 4 Year
$0
3.80%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 21, 2026
Details
$100,000
Federal Employees Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
501 North State Line Av, Texarkana, TX 75501
Certificates of Deposit Regular 48 Months
$500
3.80%
▼
Rate3.80%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
Abbey Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 12.57%
800 Falls Creek Dr, Vandalia, OH 45377 8600
Certificates of Deposit 48 Months Charm
$0
3.80%
▼
Rate3.74%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Exchange Bank and Trust Company
Institution Rating:
A5.0 ★Texas Ratio: 8.36%
523 Delaware St, Perry, OK 73077
48 Month Certificate of Deposit
$100,000
3.80%
▼
Rate—
Min Deposit$100,000
UpdatedMay 17, 2026
Details
No additional details available.
Eastman Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.27%
2021 Meadowview Ln, Kingsport, TN 37660
Investment Certificate 3 to 4 Years Jumbo
$0
3.80%
▼
Rate3.74%
Min Deposit$0
UpdatedMay 20, 2026
Details
Early Withdrawal Penalty: 180 Days' Dividends
North Platte Union Pacific Employee Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.64%
420 Rodeo Rd, North Platte, NE 69101 2240
48 Month Share Certificate
$0
3.80%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
$500.00 Minimum
Mid-America Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
802 Ames St, Baldwin City, KS 66006
48 Month CD or IRA
$500
3.79%
▼
Rate3.75%
Min Deposit$500
UpdatedMay 21, 2026
Details
No additional details available.
FreedomBank Elkader, IA
Institution Rating:
A5.0 ★Texas Ratio: 8.43%
135 W Tilden St, Postville, IA 52162
48 Month
$0
3.79%
▼
Rate3.75%
Min Deposit$0
UpdatedMay 21, 2026
Details
$100,000.00 and Over
Eureka Savings Bank
Institution Rating:
A5.0 ★Texas Ratio: 7.10%
105 W 1st South St, Wenona, IL 61377
48 Month CD & IRA
$0
3.77%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
SUMA Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.57%
125 Corporate Blvd, Yonkers, NY 10701
4-Year Share Certificate
$1,000
3.77%
▼
Rate3.70%
Min Deposit$1,000
UpdatedMay 22, 2026
Details
No additional details available.
Your Legacy Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.91%
25 Shaffer Park Dr, Tiffin, OH 44883 9290
48 Months Share Certificates
$500
3.77%
▼
Rate3.70%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
Diamond Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.69%
1600 Medical Dr, Pottstown, PA 19464 3242
48 Month Regular Certificate
$0
3.76%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Cochise Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.98%
580 N Haskell Ave, Willcox, AZ 85643
Certificates 48 Months
$0
3.76%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
InvesTex Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.50%
905 Aldine Bender Rd, Houston, TX 77032
Certificate of Deposit 4 Years
$50,000
3.76%
▼
Rate3.70%
Min Deposit$50,000
UpdatedMay 20, 2026
Details
No additional details available.
Enterprise Bank Allison Park, PA
Institution Rating:
F2.8 ★Texas Ratio: 41.32%
4091 Mount Royal Blvd, Allison Park, PA 15101
4 Year CD/IRA
$0
3.76%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
Northrop Grumman Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.11%
879 W 190th St, Gardena, CA 90248 4220
48 Month Bonus Certificates
$40,000
3.76%
▼
Rate3.70%
Min Deposit$40,000
UpdatedMay 22, 2026
Details
No additional details available.
Gerber Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.31%
508 State St, Fremont, MI 49412
48 Month Share Certificates and IRA Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Blue Flame Credit Union Charlotte, NC
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
2000 Continental Blvd, Charlotte, NC 28273
IRA Certificates 48 Months
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 18, 2026
Details
No additional details available.
VisionBank Saint Louis Park, MN
Institution Rating:
A5.0 ★Texas Ratio: 12.22%
3059 Joppa Ave S, Saint Louis Park, MN 55416
48 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
GPO Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.97%
4311 Middle Settlement Rd, New Hartford, NY 13413
48 Month Term Share Certificates
$0
3.75%
▼
Rate3.69%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Fox Communities Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.38%
3401 E Calumet St, Appleton, WI 54915 4757
48 Months Minimum Balance
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 20, 2026
Details
$500
ESB Financial
Institution Rating:
C+4.1 ★Texas Ratio: 25.76%
801 Merchant St, Emporia, KS 66801
48 Month Adjustable Rate IRA
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Philadelphia Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.85%
1615 Columbia Blvd, Bloomsburg, PA 17815 8862
Jumbo Certificate 4 Year
$0
3.75%
▼
Rate3.68%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Latvian Cleveland Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1385 Andrews Ave, Lakewood, OH 44107 2405
48 Month Certificate of Deposit
$500
3.75%
▼
Rate—
Min Deposit$500
UpdatedMay 18, 2026
Details
$500 minimum
Regional Missouri Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.66%
601 1st St, Glasgow, MO 65254
48 Month Bump Up CD
$1,000
3.75%
▼
Rate3.70%
Min Deposit$1,000
UpdatedMay 21, 2026
Details
No additional details available.
CSD Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.09%
8510 E BANNISTER RD, KANSAS CITY, MO 64134 1841
48 Month Certificates
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 18, 2026
Details
No additional details available.
Andrews Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 11.23%
5711 Allentown Rd, Suitland, MD 20746
Jumbo Fixed Rate Share Certificates 48-month
$10,000
3.75%
▼
Rate3.70%
Min Deposit$10,000
UpdatedMay 21, 2026
Details
No additional details available.
Technology Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
1562 S Bascom Ave, San Jose, CA 95125 6108
Business Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Greenwood Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.39%
2669 Post Rd, Warwick, RI 02886 3039
4 Year Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
UpdatedMay 20, 2026
Details
No additional details available.
EagleBank
Institution Rating:
A+5.0 ★Texas Ratio: 5.93%
7500 Old Georgetown Rd, Bethesda, MD 20814
48 Months Certificates of Deposit
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
UpdatedMay 21, 2026
Details
No additional details available.
New Albin Savings Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.06%
118 Main St Ne, New Albin, IA 52160
4 Year CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 21, 2026
Details
$100,000 & over
Farmers and Drovers Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.40%
201 W Main St, Council Grove, KS 66846
48 Month CD
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
Winsouth Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.45%
110 S 26TH ST, GADSDEN, AL 35904 1935
48 month Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
UpdatedMay 20, 2026
Details
No additional details available.
Jersey Central Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.05%
23 North Ave E, Cranford, NJ 07016 2196
4 year CD
$500
3.75%
▼
Rate—
Min Deposit$500
UpdatedMay 17, 2026
Details
No additional details available.
Second Federal S&L
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
1727 Chestnut St, Philadelphia, PA 19103
48 Months Certificates Of Deposit
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 17, 2026
Details
No additional details available.
Embers Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1001 W Baraga Ave, Marquette, MI 49855
48 Months Certificates
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Illinois State Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.04%
1309 S Center St, Normal, IL 61761 3458
48 months CD
$500
3.75%
▼
Rate3.69%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
TLC Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.51%
3030 S Adrian Hwy, Adrian, MI 49221
Regular Certificates 48 Month
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Schofield Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.10%
PO Box 860669, Wahiawa, HI 96786 0669
48 Month Share Certificate
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Advantage Plus Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.53%
2133 E Center St, Pocatello, ID 83201 2616
Share Certificates 48 months
$0
3.75%
▼
Rate3.69%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Pathways Financial Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.22%
5665 N Hamilton Rd, Columbus, OH 43230
48 Month Certificate
$100,000
3.75%
▼
Rate—
Min Deposit$100,000
UpdatedMay 20, 2026
Details
No additional details available.
Media City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.83%
1020 W Olive Ave, Burbank, CA 91506 2212
48 MONTH CERTIFICATE
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Credit Union of Southern California
Institution Rating:
A+5.0 ★Texas Ratio: 2.43%
8101 E Kaiser Blvd, Anaheim, CA 92808 2243
48 Month Certificate
$0
3.75%
▼
Rate3.69%
Min Deposit$0
UpdatedMay 20, 2026
Details
Rewards+ Loyalty Program
Global Bank
Institution Rating:
A5.0 ★Texas Ratio: 8.44%
8 Catherine St, New York, NY 10038
4-year
$1,000
3.75%
▼
Rate3.68%
Min Deposit$1,000
UpdatedMay 17, 2026
Details
No additional details available.
VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★Texas Ratio: 6.85%
3000 25th St S, Fargo, ND 58103
48 Month Certificate of Deposit
$0
3.75%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Bragg Mutual Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.62%
2917 Village Dr, Fayetteville, NC 28304 3814
48 Months Share Certificate
$1,000
3.75%
▼
Rate—
Min Deposit$1,000
UpdatedMay 22, 2026
Details
No additional details available.
Canton School Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.29%
1380 Market Ave N, Canton, OH 44714 2606
48 Month Fixed IRA
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 17, 2026
Details
More Than $100,000
Kemba Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.93%
8763 Union Centre Blvd, West Chester, OH 45069
48 Months Certificates
$0
3.75%
▼
Rate3.68%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Southwest Montana Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.39%
1035 W Park Ave, Anaconda, MT 59711
48 Months Share Certificates of Deposit
$500
3.75%
▼
Rate—
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
Family Savings Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 8.66%
3003 2nd St, Rainbow City, AL 35906 5979
48 Months* Share Certificates / IRA Certificates
$500
3.75%
▼
Rate3.70%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
Patriot Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.71%
800 Wayne Ave, Chambersburg, PA 17201 3810
48 Month Share Certificate - Traditional IRA or Roth IRA
$250,000
3.75%
▼
Rate—
Min Deposit$250,000
UpdatedMay 22, 2026
Details
No additional details available.
Monroe County Teachers Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.57%
1442 Kennedy Dr, Key West, FL 33040
48 Month IRA CD
$0
3.75%
▼
Rate—
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Radiant Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.88%
405 SE 2nd PL, Gainesville, FL 32601 6808
48 Months Fixed Rate Certificates
$1,000
3.72%
▼
Rate3.65%
Min Deposit$1,000
UpdatedMay 20, 2026
Details
No additional details available.
Tinker Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.82%
1620 Lonnie Abbott Blvd, Ada, OK 74820
Term Share (Certificate) / IRA 48 Mo.
$0
3.72%
▼
Rate3.66%
Min Deposit$0
UpdatedMay 21, 2026
Details
Early Withdrawal Penalty: 300 Days
Central Maine Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.67%
1000 Lisbon St, Lewiston, ME 04240 5721
Wealth Builder IRA Share Certificates 48 Month Term
$0
3.72%
▼
Rate3.65%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
WINTHROP AREA
Institution Rating:
A+5.0 ★Texas Ratio: 1.74%
94 HIGHLAND AVE, WINTHROP, ME 04364
Share and IRA Certificates 48 Months
$500
3.71%
▼
Rate3.65%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
UPS Employees Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.69%
3110 INLAND EMPIRE BLVD STE A, ONTARIO, CA 91764 6572
4 Years Share Certificates
$500
3.70%
▼
Rate3.63%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
Sharefax Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.03%
1147 OLD STATE ROUTE 74, BATAVIA, OH 45103
48 Months Platinum
$10,000
3.70%
▼
Rate3.64%
Min Deposit$10,000
UpdatedMay 23, 2026
Details
No additional details available.
Northeast Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.60%
980 Jason Witten Way, Elizabethton, TN 37643
48 Month Certificate Account
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
University Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.63%
13860 N Highway 183, Austin, TX 78750
Certificates 48 Month
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Beacon Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
2347 Highway 17n, Mount Pleasant, SC 29466
48 Months Certificates of Deposit
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
First FSB of Mascoutah
Institution Rating:
A+5.0 ★Texas Ratio: 0.04%
101 W Main St, Mascoutah, IL 62258
48 Months Certificate of Deposits/IRAs
$1,000
3.70%
▼
Rate3.65%
Min Deposit$1,000
UpdatedMay 21, 2026
Details
No additional details available.
Sentry Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.86%
1800 N Point Dr, Stevens Point, WI 54481 1253
4 Years
$0
3.70%
▼
Rate3.65%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Arlington Community Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.63%
2130 N Glebe Rd, Arlington, VA 22207
Share & IRA Certificate 48 Month Certificate Platinum
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Muskegon Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.54%
65 W LAKETON AVE, MUSKEGON, MI 49441
IRA & SHARE CERTIFICATES 4 YEAR
$0
3.70%
▼
Rate3.65%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Friends And Family Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.10%
46 Federal Ave NW, Massillon, OH 44647
48 Month IRA / Share Certificate
$0
3.70%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Baton Rouge Telco Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.28%
13404 Airline Hwy, Baton Rouge, LA 70817 5917
4-Year IRA Certificate
$500
3.70%
▼
Rate3.64%
Min Deposit$500
UpdatedMay 17, 2026
Details
No additional details available.
PNB Peshtigo National Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.36%
250 French St, Peshtigo, WI 54157
4 Year IRA
$0
3.70%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Denver Community Credit Union DBA Zing Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.70%
1075 Acoma St, Denver, CO 80204 4326
48 Months**
$100,000
3.70%
▼
Rate3.64%
Min Deposit$100,000
UpdatedMay 20, 2026
Details
No additional details available.
Bank of the Flint Hills
Institution Rating:
A-5.0 ★Texas Ratio: 15.48%
806 5th St, Wamego, KS 66547
4 Year Certificates of Deposit
$0
3.70%
▼
Rate3.65%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Public Service Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.17%
7665 Merriman Rd, Romulus, MI 48174 1920
CD: Tier V 48 months
$0
3.70%
▼
Rate3.70%
Min Deposit$0
UpdatedMay 23, 2026
Details
minimum $250,000
EECU Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.63%
1617 W 7th St, Fort Worth, TX 76102
Standard CDs 48 Months
$0
3.70%
▼
Rate3.64%
Min Deposit$0
UpdatedMay 20, 2026
Details
Must maintain a minimum $1,000 balance to earn APY. Interest is compounded monthly and credited monthly. There is a penalty for early withdrawal.
Shoreline Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 5.73%
3131 Mishicot Rd, Two Rivers, WI 54241
Share Certificates and IRA Certificates 48 month
$0
3.67%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Lafayette Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 9.10%
Room c 1 80, WASHINGTON, DC 20523 0001
Fixed-Rate Jumbo 4-year term
$100,000
3.66%
▼
Rate3.60%
Min Deposit$100,000
UpdatedMay 17, 2026
Details
No additional details available.
Gainey Business Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.00%
8501 N Scottsdale Rd, Scottsdale, AZ 85253
Certificates of Deposits(Personal and Business) 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Strategic Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.49%
22110 Pacific Blvd Ste 100, Sterling, VA 20166
IRA Certificates - Minimum 48 month
$0
3.66%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 22, 2026
Details
Balance $1,000
Gratiot Community Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 0.78%
211 W Center St, Alma, MI 48801 2206
Timed Certificate 48 Months
$1,000
3.66%
▼
Rate3.60%
Min Deposit$1,000
UpdatedMay 23, 2026
Details
No additional details available.
1st Street Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.48%
1558 1st St, Sarasota, FL 34236 8502
48 MONTH CERTIFICATE
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
GREATER TEXAS
Institution Rating:
A5.0 ★Texas Ratio: 6.70%
12319 N Mopac Expy, Austin, TX 78758
48 Months Term Share Certificates/Certificates of Deposit
$95,000
3.65%
▼
Rate3.59%
Min Deposit$95,000
UpdatedMay 20, 2026
Details
No additional details available.
Wolf River Community Bank
Institution Rating:
A+5.0 ★Texas Ratio: 1.13%
309 E Main St, Hortonville, WI 54944
48-month CD
$0
3.65%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Vibrant Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.65%
4400 16th St, Moline, IL 61265
48-Month CD
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Citadel Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.71%
520 Eagleview Blvd, Exton, PA 19341
48 Month Bonus Certificate
$75,000
3.65%
▼
Rate3.59%
Min Deposit$75,000
UpdatedMay 17, 2026
Details
No additional details available.
Azalea City Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.74%
5662 Cottage Hill Rd, MOBILE, AL 36609
Share and IRA Certificates of Deposit 48 Months
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
North Central Area Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.89%
2665 Reserve Rd, Houghton Lake, MI 48629
48 MONTH CD
$0
3.65%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Gulf Winds Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.64%
220 E Nine Mile Rd, Pensacola, FL 32534
48 Month IRA
$500
3.65%
▼
Rate3.59%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
MIAMI FIREFIGHTERS
Institution Rating:
A5.0 ★Texas Ratio: 2.29%
1111 NW 7th St, Miami, FL 33136
48 Month IRA Share Certificate
$0
3.65%
▼
Rate3.59%
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Industrial Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.82%
1115 Sagamore Pkwy S, Lafayette, IN 47905
48 Months
$0
3.65%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
FSB of Westmoreland
Institution Rating:
A5.0 ★Texas Ratio: 12.46%
307 Main St, Westmoreland, KS 66549
48 Month CD
$0
3.65%
▼
Rate3.62%
Min Deposit$0
UpdatedMay 21, 2026
Details
No additional details available.
Partners Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.02%
2411 W Olive Ave, Burbank, CA 91506 2629
Jumbo College Saver 48-Month
$0
3.65%
▼
Rate3.58%
Min Deposit$0
UpdatedMay 22, 2026
Details
Minimum to open & earn dividends: $100,000
Long Reach Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.35%
10767 Energy Hwy, Friendly, WV 26146 7512
48 Month Certificates
$0
3.65%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 22, 2026
Details
Paid Monthly
San Juan Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.18%
296 E CENTER STREET, MONTICELLO, UT 84535
48 Month Certificate
$0
3.65%
▼
Rate3.60%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
First National Bank of Bemidji
Institution Rating:
A+5.0 ★Texas Ratio: 2.39%
1600 Paul Bunyan Dr Nw, Bemidji, MN 56601
4 Year Certificates of Deposit
$25,000
3.64%
▼
Rate3.59%
Min Deposit$25,000
UpdatedMay 21, 2026
Details
$25,000 and over
Members Advantage Credit Union Michigan City, IN
Institution Rating:
A+5.0 ★Texas Ratio: 5.69%
3064 Ohio St, Michigan City, IN 46360 6866
48 Mo. Certificate
$0
3.61%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
No additional details available.
Galaxy Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.25%
1313 Liberty St, Franklin, PA 16323
37 - 48 Mos. Certificate of Deposit
$500
3.61%
▼
Rate3.55%
Min Deposit$500
UpdatedMay 22, 2026
Details
No additional details available.
University of Toledo Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 7.66%
5248 Hill Ave, Toledo, OH 43615 5868
IRA Certificates 48 month
$2,000
3.61%
▼
Rate3.56%
Min Deposit$2,000
UpdatedMay 22, 2026
Details
No additional details available.
Connected Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.57%
85 Civic Center Drive, AUGUSTA, ME 04330
Share & IRA Certificates 48 Months
$0
3.61%
▼
Rate3.55%
Min Deposit$0
UpdatedMay 18, 2026
Details
No additional details available.
First Choice Financial Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 5.73%
355 Hales Mills Rd Ext, Gloversville, NY 12078 5703
4 Year Certificate
$0
3.61%
▼
Rate3.55%
Min Deposit$0
UpdatedMay 22, 2026
Details
Minimum $500 Credit Quarterly Compound Daily
Electrical Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 1.68%
5080 W 60th Ave, Arvada, CO 80003 6919
Share & IRA Certificates 48 Month Term
$0
3.61%
▼
Rate3.55%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Police Federal Credit Union Of Connecticut
Institution Rating:
A5.0 ★Texas Ratio: 7.41%
253 High St, Hartford, CT 06103
4 Years Term Share Certificates
$0
3.61%
▼
Rate3.55%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Central Wisconsin Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.93%
1301 Post Rd, Plover, WI 54467
4 Year CD
$40,000
3.61%
▼
Rate3.55%
Min Deposit$40,000
UpdatedMay 20, 2026
Details
No additional details available.
TruMark Financial Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.60%
335 Commerce Dr, Fort Washington, PA 19034 2701
48-month Bump-Up IRA
$500
3.60%
▼
Rate3.54%
Min Deposit$500
UpdatedMay 20, 2026
Details
No additional details available.
TBA Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.92%
2900 W South Airport Rd, Traverse City, MI 49684 4611
48 Month Minimum
$500
3.60%
▼
Rate3.55%
Min Deposit$500
UpdatedMay 23, 2026
Details
$500; Direct Deposit
Signature Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.76%
12 HERBERT ST, Alexandria, VA 22305
48 Month Share and IRA Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
CME Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.12%
150 E Mound St, Columbus, OH 43215
Share Certificates & IRA Certificates 48 months
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
UpdatedMay 21, 2026
Details
Over $50,000
Congressional Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 6.24%
10461 White Granite Dr, Oakton, VA 22124
4 Year Certificate
$1,000
3.60%
▼
Rate3.53%
Min Deposit$1,000
UpdatedMay 22, 2026
Details
No additional details available.
American Eagle Bank
Institution Rating:
A+5.0 ★Texas Ratio: 0.29%
556 Randall Rd, South Elgin, IL 60177
48 Months CD/IRAs
$5,000
3.60%
▼
Rate—
Min Deposit$5,000
UpdatedMay 21, 2026
Details
No additional details available.
BluCurrent Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.56%
1770 W SUNSET ST, SPRINGFIELD, MO 65807
48 Month Certificates of Deposit (Personal&Business)
$100,000
3.60%
▼
Rate—
Min Deposit$100,000
UpdatedMay 23, 2026
Details
No additional details available.
Ventura County Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.96%
6026 Telephone Rd, Ventura, CA 93003 5332
IRA Certificates (Fixed Rate) 4 Year Certificate
$1,000
3.60%
▼
Rate3.54%
Min Deposit$1,000
UpdatedMay 20, 2026
Details
$1,000/+
Seattle Metropolitan Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.87%
303 NE Thornton PL, Seattle, WA 98125
IRA Jumbo Certificates 4 year
$50,000
3.60%
▼
Rate3.54%
Min Deposit$50,000
UpdatedMay 20, 2026
Details
No additional details available.
Team One Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 4.99%
520 HAYDEN ST, SAGINAW, MI 48607
Certificates of Deposit and IRA/Deferred Compensation Certificates of Deposit 48 Months
$0
3.60%
▼
Rate3.54%
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Credit Union of The Rockies
Institution Rating:
A+5.0 ★Texas Ratio: 3.98%
1010 Johnson Rd Ste 120, Golden, CO 80401 6041
48 Month
$500
3.60%
▼
Rate3.55%
Min Deposit$500
UpdatedMay 23, 2026
Details
No additional details available.
SkyPoint Federal Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 10.48%
19785 CRYSTAL ROCK DR Ste 201, Germantown, MD 20874
48 Month Certificates
$0
3.60%
▼
Rate3.54%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
Archer Cooperative Credit Union
Institution Rating:
B+4.8 ★Texas Ratio: 15.18%
2121 Archer Rd, Archer, NE 68816
Share & IRA Certificates 48 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
UpdatedMay 20, 2026
Details
Minimum $500.00 to Open Certificate
Telhio Credit Union
Institution Rating:
A5.0 ★Texas Ratio: 13.21%
8010 E Broad St, Reynoldsburg, OH 43068 8000
48 Months CD
$500
3.60%
▼
Rate3.54%
Min Deposit$500
UpdatedMay 18, 2026
Details
No additional details available.
PowerNet Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 3.34%
5619 Harney Rd, Tampa, FL 33610
48 Month Certificate
$0
3.60%
▼
Rate—
Min Deposit$0
UpdatedMay 20, 2026
Details
Early withdrawal penalties may apply.
Houston Federal Credit Union
Institution Rating:
A+5.0 ★Texas Ratio: 2.47%
16320 Kensington Dr, Sugar Land, TX 77479 4097
Share Certificate Accounts - Share 48 Month to 59 Month
$0
3.60%
▼
Rate3.55%
Min Deposit$0
UpdatedMay 22, 2026
Details
No additional details available.
First Federal Bank of Kansas City
Institution Rating:
A+5.0 ★Texas Ratio: 4.95%
1255 Se Oldham Pkwy, Lees Summit, MO 64081
48-Month CD
$1,000
3.60%
▼
Rate3.55%
Min Deposit$1,000
UpdatedMay 21, 2026
Details
No additional details available.
Security Credit Union
Institution Rating:
A-5.0 ★Texas Ratio: 14.23%
2404 S Linden Rd, Flint, MI 48532
4 year Share Certificates of Deposit
$0
3.60%
▼
Rate—
Min Deposit$0
UpdatedMay 23, 2026
Details
No additional details available.
Powered by
MonitorBankRates
The Annual Percentage Yields (APYs) displayed are based on the highest APY offered for the specified deposit amount or less. Rates may change without prior notice. The “Min Deposit” indicates the minimum amount required to earn the stated APY.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
Banks and Credit Unions: If you identify an incorrect rate or wish to request removal from MonitorBankRates.com, please contact us here.
3,083
48-Month CD Rates
Tracked Nationwide
Tracked Nationwide
1,692 Institutions
About Our 48-Month CD Rate Database
MonitorBankRates tracks 3,083 48-month CD rates from 1,692 institutions across the United States. Our proprietary aggregation system pulls verified rate data directly from each institution’s official website — no estimates, no national averages passed off as real offers.
Every rate listed includes the institution’s Safety Grade (A+ to F), Star Rating (1–5), and Texas Ratio — objective financial health metrics calculated from FDIC and NCUA regulatory data — so you can compare yield and institutional safety in one place.
Current top rate: Commonwealth Credit Union Frankfort, KY offers a 48-month CD at 5.00% APY with a minimum deposit of $0. Use the rate table above to compare all current offers.
48-Month CD Rate Trend
Daily national average APY for 48-month CDs
Daily averages compiled from our database of 8,500+ banks and credit unions — updated daily.
48-Month CD — National Avg
2.625%
▼ 0.002 vs 7 days ago
National 48-month CD rates fell 0.002 points over the past 7 days to 2.625% APY, down from 2.628% 7 days ago.
Powered by
MonitorBankRates
48-Month CD Rate Forecast — Next 12 Months
Where are 48-month CD rates headed through May 2027?
Projections based on Fed funds rate futures and historical CD-to-fed-funds spread model. Not financial advice.
Current Avg APY
2.625%
6-Month Forecast
2.625%
Range: 2.43% – 2.78%
12-Month Forecast
2.375%
Range: 2.18% – 2.53%
Powered by
MonitorBankRates
CD Calculators
48-Month CD Calculator
Enter any deposit amount to see exactly how much interest you earn at the end of your 48-month term at today’s top APY.
CD Ladder with 48 months RungA 4-year CD anchors the long end of a CD ladder. See how pairing it with 12 and 24-month CDs gives you periodic access while maximizing yield on a portion of savings.
Early Withdrawal Penalty48-month CDs typically carry a 270–365 days interest penalty for early access. Calculate your actual net return if you need funds before maturity.
48-Month CD vs. High-Yield Savings4-year CD rates offer one of the highest fixed yields available. Compare to savings accounts to quantify exactly how much more a 48-month commitment earns over the same period.
How to Find the Best 48-Month CD Rates
What to compare when shopping for a 48-month CD
To find the best APYs on a 48-month CD, start with credit unions and online-only banks — they consistently offer the highest yields because they have lower overhead than traditional brick-and-mortar banks and compete aggressively for deposits.
Always compare the APY (Annual Percentage Yield), not just the interest rate. The APY reflects compounding and is the true measure of what you’ll earn. A CD advertised at 4.75% interest compounding monthly is worth more than one at 4.80% compounding annually.
Also compare the early withdrawal penalty. On a 48-month CD, common penalties range from 30 to 90 days of interest. If you’re unsure whether you’ll need the funds early, a penalty-free no-penalty CD or a high-yield savings account may be a better fit.
When a 48-Month CD Makes Sense
- You have a planned purchase or expense in ~48 months and want to earn while you wait
- You expect interest rates to fall and want to lock in today’s rate short-term
- You want to secure a high fixed rate for 4 years without committing to a full 5-year term
- You want FDIC/NCUA protection with a guaranteed fixed return
Consider an Alternative If…
- You may need funds before 3 months → High-yield savings
- Rates are rising and you want to benefit → Variable-rate savings or MMA
- You want check-writing or debit access → Money market account
48-Month CD vs. Other Savings Options
| Feature | 48-Month CD | High-Yield Savings | Money Market | 6-Month CD |
|---|---|---|---|---|
| Rate Type | Fixed APY | Variable APY | Variable APY | Fixed APY |
| Liquidity | Locked 48 months | Anytime | Anytime | Locked 6 months |
| Early Withdrawal | Penalty (30–90 days interest) | None | None | Penalty (90–180 days interest) |
| FDIC / NCUA Insured | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) | Yes (up to $250K) |
| Check / Debit Access | No | Usually no | Often yes | No |
| Best For | Known near-term goal, CD ladder start | Emergency fund, flexible savings | Liquid savings with check-writing | Slightly higher yield, less urgency |
60-Month CD FAQs
What is a 48-Month (4-Year) Certificate of Deposit?
A 48-month CD is a savings account that holds a fixed amount of money for four years. In exchange for that commitment, banks typically offer higher fixed interest rates than shorter-term CDs.
Are 4-year CD rates higher than shorter-term CDs?
In a normal yield curve environment, yes 4-year CDs typically offer the highest rates among standard CD terms. In an inverted yield curve, shorter terms can sometimes match or exceed 5-year yields, so always compare current offers.
Is my money safe in a 48-month CD?
Yes. CDs at FDIC-insured banks or NCUA-insured credit unions are insured up to $250,000 per depositor, per institution. Your principal is fully protected up to that limit.
What happens if I withdraw money from a 4-year CD early?
Early withdrawal penalties on 48-month CDs are typically the steepest of any term often 12 months or more of earned interest. Review the penalty schedule carefully before committing to a 5-year term.
What is APY and why does it especially matter for a 4-year CD?
APY (Annual Percentage Yield) accounts for compounding and reflects the true annual return. Over a 5-year term, even a 0.10% APY difference compounds into a meaningful difference in total earnings on larger deposits.
Is locking in a 4-year CD rate a good strategy when rates are high?
Many financial advisors recommend locking in a long-term CD when rates are near cyclical highs. If the Federal Reserve cuts rates in the future, a 4-year CD lets you continue earning your locked-in rate while new savers see lower yields.
How can I use a 48-month CD in a CD ladder?
A 48-month CD anchors the longer end of a CD ladder. Combine it with 12 and 24-month CDs so you have a maturing CD every 1-2 years. When shorter rungs mature, reinvest into new 48-month CDs to keep the ladder rolling while maintaining access to a portion of savings.
Is a 48-month CD better than a 36-month CD?
A 48-month CD typically offers a higher APY than a 36-month CD in exchange for locking in one extra year. It makes the most sense when rates are expected to fall \u2014 securing today's rate for 4 years protects your yield. If you're uncertain about the rate outlook, a 36-month CD offers nearly as much yield with one fewer year of commitment.
Methodology & Data Sources
Direct-Sourced & Verified CD Rate Data: We aggregate 48-month CD rates nationwide directly from the official websites of banks and credit unions using our proprietary rate aggregation technology. By pulling data straight from the institutions’ own digital properties and manually verifying yields daily, every rate on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems constantly monitor the market to provide a complete picture of available 4-year CD yields across the country. We feature a comprehensive mix of financial institutions — from neighborhood credit unions and competitive regional banks to high-yield CDs from large national institutions.
Daily Updates & Time-Stamped Accuracy: Our rate updaters verify and update CD rates daily. Because yields can fluctuate rapidly based on Federal Reserve policy and market conditions, every CD product listed features its own specific “last updated” date for full transparency.
Proprietary Institution Health & Safety Grades: Beyond tracking rates, MonitorBankRates evaluates the financial stability of every listed institution. Our Health Grades (A+ to F) and Star Ratings are composite metrics calculated using objective regulatory data — including the Texas Ratio — ensuring you deposit with secure, reliable institutions.
Disclaimer: Interest rates are variable and subject to change without notice. It is always advisable to verify current offers directly with the institution’s official website. Last Updated and Verified: May 23, 2026
Rate Assistant
MonitorBankRates.com · Live Data
Try asking